Rating based on 44 reviews

Finance Now


  • Personal loans up to $20,000
  • Low-interest starting from 12.95%
  • Repayment up to 5 years

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Finance Now homepage

Author Finance Now. Screenshot of Finance Now website. [Accessed September 2, 2021]

About Finance Now

Ever since its establishment in 2000, Finance Now has developed a reputation for its fast and simple financial products and services.

We offer both secured and unsecured personal loans, car finance, retail finance and business loans. We always take into account the particular situation and needs of our customers. This customised approach is among the main reasons why we have served over 320,000 customers to date.

A personalised loan service

Our expert team provides full assistance to customers, attending to their every need with expertise, professionalism and a personal touch. Finance Now base lending decisions on personal loans on the core principles and regulations of responsible lending in NZ.

We are proud of our loan service

We are a subsidiary of SBS Bank, which has assets worth more than $2.8 billion and became a registered bank in 2008. We are able to offer a simpler and more straightforward loan process compared to other commercial and foreign banks.

Finance Now Services

If you need a loan for home renovations, car repairs, a family holiday or a wedding, we can help you out.

If you need money right now, you can apply for and use one of Finance Now's personal loans with confidence.

Our rates are competitive

Our loans come with competitive interest rates which is one of the reasons that we're so competitive and have been continually growing as a company. You can choose a loan from $1,000 to $20,000 depending on your individual needs. Due to our low rates, our personal loans can double as car finance as well.

Loan terms explained

You can pick a term from 6 months to 5 years and make weekly or monthly payments to match your budget. You can apply for a loan directly on our website. All the loan details will be presented to you before you sign your loan agreement and you can choose to cancel the loan at any point prior to this. Our consultants will help you with everything needed from questions to special requests and everything in between.

Finance Now Personal loan

  • Loan Type Personal loans
  • Interest Rate 12.95 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 5 years

Benefits of Finance Now

  • Competitive interest rates
  • Flexible repayment terms
  • Secured and unsecured loans

Finance Now – You can achieve your financial goals, quickly

We have the experience and the administrative capabilities that you would expect from a leading financial services provider.

With us, there is no need to postpone your financial requirements a minute longer. There's simply no better way to get the cash that you need than with Finance Now's personal loans.

We have the speed and flexibility you can count on

We offer quick and flexible online loans NZ, through a short loan application which will have you pre-approved and on your way to the check out counter in just minutes. Applying online is straightforward quick and you have the cash in your banking account within 24 hours of your approved application.

Loans tailormade to your needs

We give you freedom, adaptability and considerably more options with regards to finding a loan that meets your individual needs. By linking your financial statements onto your application, you can FastTrack your credit and get your money considerably faster.

Looking for pre-approval?

Your pre-approval turnaround time will be just 60 seconds - making sure you know where you stand before you even formally submit an application. When your loan agreement is signed and received you will get your quick loan in just hours. We offer adaptable terms week after week, fortnightly and month to month so that when you get your wages you can plan your instalment structure to suit your payment terms.

If you're over 18, receive a month to month income and are a New Zealand resident, then it's time for you to make a quick loan application with us.

Now, this is quick cash!

If you have any inquiries in regards to our loan offers, or if you want to inquire about the terms and instalment structures please contact us and one of our friendly agents will assist you. Click online and complete your application now.

It's as simple as 1 2 3

In just three easy steps you will have cash in your banking account to spend however you see fit - and that's a promise!

Customer Reviews & Testimonials

Finance Now has been a breeze to deal with. Their loans are simple and straightforward, no beating around the bush.

Tatum R.
— Lower Hutt —

I was able to extend my repayment term without paying massive penalties.

Mariel L.
— Whakatane —

Good service, simple loan agreement, and affordable rates and terms.

Geraldine H.
— Gisborne —

Finance Now Contact

Physical Address

Postal Address

  • PO Box 1204, Invercargill, 9840, New Zealand

Opening Hours

  • Monday 08:30 – 18:00
  • Tuesday 08:30 – 18:00
  • Wednesday 08:30 – 18:00
  • Thursday 08:30 – 18:00
  • Friday 08:30 – 18:00
  • Saturday 09:00 – 16:00
  • Sunday – Closed